mium, a person may insure that in case of the
destruction by fire of such of his goods as may
be specified in a fire policy, issued by the Insur-
ance Company, he will be recouped their value.
Nearly all the Fire Insurance offices are agreed
in charging a certain rate of premium, which is
called the tariff rate. For dwelling-houses built
of brick or stone with slate or tile roof, the rate
is only 1s. 6d. for every £100. For more hazard-
ous buildings such as thatched houses, ware-
houses, inns, shops, &c., the rates are higher,
according to the nature of the risk. Household
furniture and the other contents of a brick or
stone house can be insured at various rates, or
they may be included in one insurance with the
house, when the rate would be 2s. per cent. for
the whole.

It should be remembered that there is a limit,
usually of 5 per cent., of the whole sum so in-
sured, placed on any one work of art which may
be destroyed.

For instance, a picture valued at £200 maybe
burnt in a house which, with the contents, is
insured for £2,000 If the picture were alone
destroyed, the office would only compensate to
the extent of £100, being 5 per cent. on the
£2,000, the total amount of the insurance. Any
particular picture or work of art may, however,